SavedSign in
Under contract

$79,900

2 beds630 sq ft0.33 acres

1439 Charlotte Valley RdSummit, NY 12175

Homes, condos and townhomes · MLS 11952134 · Listed 64 days ago (Aug 27, 2026)

20 mi straight line to Plattekill Mountain (alpine resort) · Ski access details

Report a problem

Under contract: The seller has accepted an offer with conditions. Some sellers still accept backup offers.

About this property

Escape to the Mountains: DIY Cottage with Seller Financing! Looking for an affordable entry into the Upstate New York market? This handyman diamond-in-the-rough is calling your name. Just needs cosmetic repairs. Situated on a manageable 0.33-acre lot, the property boasts stunning mountain views, a bubbling brook you can hear in the back, and proximity to State Land, providing the perfect backdrop for a future deck or expanded windows. Whether you want to restore the existing structure or reimagine the space entirely, this is your blank canvas. The foundation has been completely replaced with a concrete block foundation and a Bilco door. Electric has circuit breakers; heating and plumbing are good. No bank needed. The owner is offering flexible seller financing with 1/3 down payment. However, she will accept your check for payment in full. Bring your contractor, your toolkit, and your imagination to Summit, NY! Sold as-is.

Description provided by the listing brokerage.

Ski access and nearby skiing

Why this listing is on Where2Ski: Measured distance to a ski area. It sits within 25 straight-line miles of an operating ski area's mapped entrance or base.

Nearby ski areas with straight-line distance
Ski areaTypeStraight-line distanceMeasured to
Plattekill MountainNY · homes near itAlpine resort20 miBase areaBase area (mapped point)
Windham Mountain ClubNY · homes near itAlpine resort26 miBase areaBase area (mapped point)
Belleayre MountainNY · homes near itAlpine resort31 miBase areaBase area (mapped point)
Hunter Mountain ResortNY · homes near itAlpine resort33 miBase areaBase area (mapped point)
Maple Ski RidgeNY · homes near itLocal ski area33 miBase areaBase area (mapped point)

Also nearby: Bearpen Mountain Sports (nordic center, 22 mi).

Straight-line miles to each ski area's base or entrance, measured Oct 30, 2026, 8:12 PM UTC. Winter drives can take longer.

Ski access claims

The listing doesn't describe ski-in, ski-out, a short walk or a shuttle. The agent can tell you how owners get to the slopes.

Ski access is as described by the listing brokerage. Confirm trail access, easements and any pass or membership with Gary Morgan of CHARLOTTEVILLE REALTY.

How listings qualify · Report a wrong distance or ski-access claim

Facts

List price
$79,900
Status
Under contract
Property type
Homes, condos and townhomes
Bedrooms
2
Full baths
1
Interior area
630 sq ft
Lot size
0.33 acres
Year built
1943
Garage spaces
4
County
Schoharie County
MLS number
11952134
Annual property tax (2026)
$1,980

Facts are provided by the listing brokerage.

Features

Interior

  • Master Downstairs

Appliances

  • Range
  • Refrigerator

Basement

  • Unfinished
  • Bilco Doors

Heating

  • Baseboard
  • Electric

Parking

  • Driveway

Construction

  • T111 Siding

Roof

  • Asphalt

Sewer

  • Septic Tank

Location

Pin placed from the listing's coordinates, which can be approximate. See more listings in Summit.

Price and status history

    Changes seen in MyStateMLS data since Oct 29, 2026. Sold prices are not published.

    Estimate a monthly payment

    $15,980
    Illustrative. Replace with a quote from your lender.
    From the listing (tax year 2026). Taxes can change after a sale.
    Get a quote; rates vary widely by location.
    Manufactured homes on a leased lot.
    Applied only while the loan is over 80% of the price. Illustrative.

    Estimated monthly payment

    $594 per month

    Principal and interest$404
    Property tax$165
    Homeowners insurance$25
    Loan amount$63,920
    Total interest over the term$81,526

    An estimate for comparison only. Actual rates, taxes, insurance, PMI and fees depend on your lender, credit, location and loan program.

    Similar listings near Plattekill Mountain

    The same type of property, priced $59,925 to $99,875 and a similar distance from Plattekill Mountain, newest first. See all matches

    Questions to ask before you buy

    Good questions for any home near the slopes.

    1. How is the property reached in winter, and who plows the road and driveway?A short straight-line distance can still mean a long or seasonal drive. Private roads, gates and mountain passes all shape winter access.
    2. Is there documented ski access from the property (trail, easement, lift), and does it transfer to a buyer?Rights to cross neighboring land or use a lift come from recorded easements and agreements, so a ski-in or ski-out description is where the question starts.
    3. Are there association, resort or club fees, and what do they cover?Some ski-area communities charge fees that cover only certain amenities, so ask what lift tickets, passes and services are included.
    4. Are there rules on renting the home short-term or long-term?Local ordinances, association covenants and deed restrictions all set rental rules, and they differ from place to place.
    5. What do heating, snow removal, winterization and utilities cost over a season?Ownership costs in snow country often run higher than the mortgage estimate suggests.
    6. For land: is there legal year-round access, and what utilities, septic and building rules apply?Seasonal roads and steep lots can limit what can be built and when it can be reached.

    Printable due-diligence checklist · Ski home ownership budget

    Guides and next steps

    Listing courtesy of CHARLOTTEVILLE REALTY. Listing agent: Gary Morgan. Listings provided by MyStateMLS.

    Listing updated Sep 11, 2026, 11:22 AM UTC, MyStateMLS data received Oct 30, 2026, 8:12 PM UTC. Information deemed reliable but not guaranteed.